2016 Nissan Altima Insurance Cost – 8 Discounts for Cheaper Prices

Want better insurance rates? Drivers have lots of choices when trying to find the best price on Nissan Altima insurance. They can either spend hours calling around getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to find insurance online and you need to know the proper way to get price quotes for a new or used Nissan and locate the lowest price.

It’s a good habit to compare premium rates occasionally because prices fluctuate regularly. Even if you think you had the lowest price for Altima insurance a few years ago you can probably find a better rate quote now. Ignore everything you know about insurance because you’re about to learn how to quote online to find better coverage at a better price.

This article will instruct you on how to effectively get price quotes. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers only need an understanding of the tricks to compare company rates online.

Slash your car insurance rates with these eight discounts

Car insurance is not inexpensive, but there are discounts available to cut the cost considerably. Most are applied when you purchase, but lesser-known reductions have to be manually applied before being credited. If you’re not getting every credit possible, you may be paying too high a price.

  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Defensive Driver Discounts – Taking part in a defensive driver course can save you 5% or more and make you a better driver.
  • Switch and Save Discount – Some car insurance companies provide a discount for switching to them early. You can save around 10% with this discount.
  • Telematics Devices – Insureds who allow their insurance company to look at where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
  • Good Students Pay Less – This discount may save as much as 25% on a insurance coverage quote. You can use this discount normally up to age 25.
  • Employee of Federal Government – Federal government employees may qualify for a discount when you quote insurance coverage for Altima insurance with some car insurance companies.
  • Own a Home – Owning your own home or condo can save you money because owning a home is proof of financial responsibility.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings when getting a insurance coverage quote.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will lower your car insurance premiums.

Popular car insurance companies and a selection of discounts are shown below.

  • Esurance may offer discounts for defensive driver, emergency road assistance, paid-in-full, good driver, renters, good student, and claim free.
  • The Hartford includes discounts for air bag, bundle, vehicle fuel type, defensive driver, anti-theft, and good student.
  • AAA policyholders can earn discounts including AAA membership discount, education and occupation, good driver, multi-policy, multi-car, and pay-in-full.
  • Geico discounts include military active duty, defensive driver, membership and employees, five-year accident-free, daytime running lights, multi-policy, and anti-lock brakes.
  • State Farm offers discounts including safe vehicle, defensive driving training, good driver, anti-theft, accident-free, and driver’s education.

Double check with each insurance company which discounts they offer. Depending on the company, some discounts might not be offered in your area. To view companies that offer many of these discounts, click here.

How to buy insurance online

There are a variety of methods to shop for insurance, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking to insurance companies in your area, or you could use online quotes to achieve your goal.

Most major companies are enrolled in a marketplace that allows shoppers to complete one form, and every company can give them a price based on the submitted data. This system prevents you from having to do quote requests to each individual insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you are unable to specify which providers to receive prices from. So if you prefer to pick specific insurance companies to compare prices, we have a page of insurance companies in your area. Click here to view list.

The approach you take is up to you, just be certain you are entering exactly the same coverage information for each price quote. If the quotes have different data you will not be able to find the best deal for your Nissan Altima.

You are unique and your car insurance should be too

When choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have newly-aquired coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, vandalism and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2016 Nissan Altima.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills for things like dental work, ambulance fees, rehabilitation expenses, chiropractic care and hospital visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This covers damage to your Altima from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Auto liability insurance – This will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like legal defense fees, court costs, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Save for a rainy day

We’ve covered a lot of ways to shop for 2016 Nissan Altima insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Drivers may discover the best price on auto insurance is with an unexpected company.

While you’re price shopping online, do not reduce coverage to reduce premium. In many instances, drivers have reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best possible price, not the least amount of coverage.

People leave their current company for a variety of reasons including high rates after DUI convictions, high prices, not issuing a premium refund and even policy non-renewal. Regardless of your reason, choosing a new company is not as hard as you think.

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